When you reach a certain point in your life, you realize that getting a free gift is not the way to earn your business. You need a bank that understands that your business is the most valuable thing you could offer us. When it’s time, open a Comerica Checking Account and get the service you deserve with the account you need.
| Access Checking | Rich Rewards® Checking | Premier Checking | Comerica Platinum Circle Checking® | |
| Account Description1: | A basic checking account that makes you eligible for a Statement Savings Account without a monthly maintenance fee. |
An interest-bearing checking account that makes you eligible for a Statement Savings Account without a monthly maintenance fee |
An interest-bearing checking account that makes you eligible for a Statement Savings Account or Money Market Investment Account (MMIA) without a monthly maintenance fee |
An interest bearing account with the works: including preferred rates, a dedicated service line and a Comerica Debit Card or ATM Card with higher withdrawal limits |
| Best for: | Individuals with basic checking needs and a minimum daily Ledger Balance of $1,0002 |
Individuals who are looking for a more robust checking account with a minimum daily Ledger Balance of $5,0002 |
Individuals with broader personal financial needs with a minimum daily Ledger Balance of $7,5002 |
Individuals who maintain a $50,000 average daily Ledger Balance in any combination of personal or business deposit accounts10, 11, 12 or who meet other qualifications13 |
| Benefits: | No monthly fee for Comerica Web Banking®3 No monthly fee for Comerica Web Bill Pay® Comerica Debit Card or ATM Card and use of Comerica ATMs Check Safekeeping5 |
All the benefits of Access Checking plus: Comerica Web Bill Pay for no monthly fee4 Increased interest rate on new fixed rate CDs and IRAs with a term of one year or more6 Check Photo7 Option Free Comerica Advantage checks |
All the benefits of Rich Rewards Checking plus: Your choice of a MMIA or Statement Savings Account with no monthly maintenance fee Discounts on certain residential mortgage closing costs8 Increased interest rate on new fixed rate CDs and IRAs with a term of one year or more9 |
All the benefits of Premier Checking plus: Dedicated customer service number: 877.894.1592 Increased interest rate on new fixed rate CDs and IRAs with a term of 180 days or more9 Increased money market interest rates Checking account with no monthly maintenance fee for a household member10 A HY MMIA and a Statement Savings Account with no monthly maintenance fees |
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1For more specific information regarding the requirements, features and benefits of each checking account type please click Learn More above. For more information on account fees and terms and conditions please refer to the Personal Services and Charges Brochure and the Comerica Business & Personal Deposit Account Contract.
2 Ledger Balance is the balance in your account that reflects posted transactions, which include deposits, credits, withdrawals and other debits.
3 Fees may apply for using Comerica External Transfer service and Comerica Person to Person Transfer service offered through Comerica Web Banking.
4 There is no monthly fee for Comerica Web Bill Pay for Comerica Platinum Circle Checking, Rich Rewards Checking and Premier Checking accounts. Additional fees may apply for expedited payment delivery.
5 With Check Safekeeping your checks are not returned with your monthly bank statement. Although we destroy the checks, copies are kept for a limited time. You can receive a free copy of up to four checks per statement cycle; additional checks per statement cycle may incur a fee.
6 Interest rate adjustment applies to new funds not already on deposit with Comerica or any Comerica affiliate.
7 With Comerica's CheckPhoto, you receive images of the front of your canceled checks with your monthly statement.
8 Applicable discounts will be determined at time of application or loan closing. Loans are subject to completion of an application and credit approval. Current interest rate, fees and terms will be available at application.
9 Interest rate adjustment applies to new or existing money funds.
10 The average daily ledger balance is calculated by adding the Ledger Balance in the Account each day of the period and dividing that figure by the number if days in the period. One Comerica Platinum Circle Checking Account per $50,000 maintained in qualifying personal and business account balances. A maximum of three Comerica Platinum Circle Checking Account relationships per qualifying Account balances. Each Comerica Platinum Circle Checking Account Owner is entitled to provide one free Comerica Platinum Circle Checking Account and one Access Checking Account, free of monthly maintenance fees, to any member of his or her household.
11 If qualifying account balances are not maintained, one or more of the Comerica Platinum Circle Checking Accounts related to those balances may be converted to the Rich Rewards Checking Account, at which time you may no longer qualify for Comerica Platinum Circle Checking benefits.
12 Qualifying business balances are restricted to the following types of account ownership: sole proprietorships, partnerships or closely-held corporations. Only owners, principals or managing partners of the business are eligible to open Comerica Platinum Circle Checking Accounts when utilizing business balances to qualify.
13 Also best for individuals who maintain a minimum combined balance of $2,500,000 each day in any combination of assets managed by Comerica Asset Management, in Private Banking loan balances or in Comerica Securities account balances. Residential mortgage loans are excluded. The Checking Account portion of the Comerica Asset Management Account is offered by Comerica Bank. Deposits will be FDIC insured to the extent permitted by law, only until they are used to invest in money market mutual funds or other securities. See "Special Rules for Sweep Arrangements" section in the Comerica Business and Personal Deposit Account Contract.
